In Jeff's HO-3 policy, what is the maximum coverage for the replacement of a tree and bushes damaged during a windstorm?

In an HO-3 homeowner's insurance policy, coverage for trees, shrubs, and other landscaping is typically limited. Specifically, this type of policy usually provides coverage for damage to trees and shrubs but often imposes specific limits based on the circumstances.

For damage due to windstorm, while you might expect some compensation for trees and bushes, the property coverage section of most HO-3 policies might not apply to this type of damage, leading many to believe that an amount of $0 is the applicable coverage option.

Typically, coverage often includes a sub-limit for specific perils, such as fire or lightning, but does not extend to windstorm damage unless additional coverage has been purchased. This distinction highlights the importance of understanding the specific terms and conditions of an insurance policy, particularly how it addresses various types of damage to landscaping resulting from different perils.